E-commerce Insurance

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Updated 3rd June 2020 - We've temporarily changed our opening hours to best support our customers and colleagues. To find out how you can get in touch and for resources or guidance, visit our Coronavirus information page.

If you are a customer and are experiencing financial difficulty paying your premium as a result of COVID-19 please get in touch to discuss your options.

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Any online business will know the risks facing online trading can reach as far and wide as the products you sell, so protecting your livelihood must be a top priority. Accidents can happen when you least expect and can leave you financially exposed or even personally liable to pay compensation. That’s why we arrange e-commerce insurance that’s tailored to your unique requirements by comparing covers from trusted insurers, so we find the policy that’s right for you.

We appreciate that one size does not always fit all, which is why we make recommendations based on your individual needs, to make arranging your e-trader insurance simple and hassle-free.

Call our advisors today to get a professional service and advice for all your online business insurance needs. If you’d prefer us to call you simply request a call back.

Why choose us?

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Do I need e-commerce insurance?

E-commerce insurance can be tailored to your individual needs to ensure your online business has protection against events that could lead to financial loss. Without the correct e-commerce insurance in place, you could be exposed to claims being made against you that could jeopardise the future of your business and your ability to trade. Liability claims in particular can be costly, so making sure you’re covered against all eventualities is key to your business continuity.

Liability insurance for e-commerce

Public liability insurance can protect your online business against accidental injury or damage to third parties or their property. If you have clients or suppliers visiting your premises, then this will typically protect you if they were to sustain an injury, and can cover legal costs and damages awarded as a result.

Products liability insurance provides cover if you sell or supply a defective product and someone injures themselves whilst using it, or damage is caused as a result of the defect. For example, if you are supplying your own branded cosmetics that someone suffers a reaction to, products liability can protect your livelihood against potentially large claims that could be made against you.

If you have staff helping you on a full or part time basis, then you will need to add employers' liability insurance into your online business insurance. This is a legal requirement, and typically all your liability covers can be combined to form part of your e-commerce insurance policy, making it easier for you to obtain the covers you need most.

Property protection insurance for e-commerce businesses

You may also wish to protect your stock, premises and business equipment against fire, theft, accidental damage, and many more eventualities. Depending on the nature of your business, you may wish to include these within your e-commerce insurance so that you can work safe in the knowledge that should something happen, its covered.

Business interruption insurance for e-commerce

Business interruption insurance is an aspect of cover that is crucial to business continuity, as this safeguards your income should you suffer damage at your premises meaning you are unable to trade. For example, if you had a fire or flood, you could be out of action for a few weeks or even months. Business interruption cover can be included within your e-commerce insurance to protect you against this eventuality. This means that should the worst happen, your income and fixed expenses would be covered. It can even help you trade temporarily from another premises while you get back up and running.

Hassle-free e-commerce insurance

We have many years’ experience arranging e-commerce insurance for a variety of online traders and work hard to get you the cover that’s right for your business. Speak to one of our advisors today or request a call back and we’ll get you a policy that meets your online retailing needs.

If you trade from a retail premises, then take a look at our range of retailer insurance packages.

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"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"I'm so pleased to have bought from them. I made a huge saving on my insurance for my small business and they were so helpful and explained everything. A very happy new customer.”

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Premierline Business Insurance Broker is a trading name of Allianz Business Services Limited, registered in England and Wales under company number 4521167. Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Allianz Business Services Limited is authorised and regulated by the Financial Conduct Authority and is covered by the Financial Ombudsman Service. Our FCA registration number is 304779.